Privacy Policy

Privacy Policy

This Privacy Policy describes how your personal information is collected, used, and shared when you visit or request a quote from this website.

This website is operated by Dcruz Systems LLC ("The Platform Operator") on behalf of The Insurance Producer ("The Insurance Producer"). Throughout this policy, "we", "us", and "our" refer collectively to Dcruz Systems LLC regarding website infrastructure and technical data, and The Insurance Producer regarding insurance services and client data.

PERSONAL INFORMATION WE COLLECT

When you visit the Site, Dcruz Systems LLC automatically collects certain information about your device to ensure the security and functionality of the platform. This includes information about your web browser, IP address, time zone, and some of the cookies that are installed on your device.

Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information.”

We collect Device Information using the following technologies:

“Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier.
“Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
“Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.

Additionally, when you attempt to request an insurance quote through the Site, The Insurance Producer collects certain information from you, including your name, billing address, shipping address, email address, phone number, and vehicle/property details necessary for underwriting. We refer to this information as “Quote Information.”

When we talk about “Personal Information” in this Privacy Policy, we are talking both about Device Information and Quote Information.

HOW DO WE USE YOUR PERSONAL INFORMATION?

The Insurance Producer uses the Quote Information collected generally to fulfill any requests placed through the Site (including processing your data for insurance underwriting, communicating with carriers, and providing you with quote confirmations). Additionally, we use this Quote Information to:

Communicate with you;
Screen our orders for potential risk or fraud; and
When in line with the preferences you have shared with us, provide you with information or advertising relating to our products or services.

Dcruz Systems LLC uses the Device Information collected to help us screen for potential risk and fraud (in particular, your IP address), and more generally to improve and optimize the Site (for example, by generating analytics about how customers browse and interact with the platform).

SHARING YOUR PERSONAL INFORMATION

We share your Personal Information with third parties to help us use your Personal Information, as described above. For example, we use Google Analytics to help us understand how our customers use the Site. You can read more about how Google uses your Personal Information here: https://www.google.com/intl/en/policies/privacy/.

Finally, we may also share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.

SMS/Text Message Data (Strict Compliance): Mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

California & Advertising Notice: We do not sell your personal information for monetary consideration. However, under the California Privacy Rights Act (CPRA), allowing third-party advertising partners (such as Google and Meta) to collect cookies or identifiers on our site for the purpose of showing you personalized ads may be considered "sharing" or "selling" personal information. We provide you with the right to opt out of this activity below.

BEHAVIORAL ADVERTISING

As described above, we use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at http://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.

You can opt out of targeted advertising by:

Facebook: https://www.facebook.com/settings/?tab=ads
Google: https://www.google.com/settings/ads/anonymous
Bing: https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads

Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at: http://optout.aboutads.info/.

DO NOT TRACK

Please note that we do not alter our Site’s data collection and use practices when we see a Do Not Track signal from your browser.

DATA RETENTION

When you request a quote through the Site, we will maintain your Quote Information for our records unless and until you ask us to delete this information, subject to state insurance record retention laws.

MINORS

The Site is not intended for individuals under the age of 16. We do not have actual knowledge that we sell or share the personal information of consumers under 16 years of age.

FOR CALIFORNIA RESIDENTS (CCPA/CPRA NOTICE)

If you are a resident of California, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) provide you with specific rights regarding your personal information.

1. Right to Know and Access

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months, including:

The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting or sharing that personal information.
The specific pieces of personal information we collected about you.

2. Right to Delete

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions (such as retaining records for insurance regulatory compliance).

3. Right to Correct

You have the right to request that we correct inaccurate personal information that we maintain about you.

4. Right to Opt-Out of "Sharing" (Do Not Sell My Info)

You have the right to opt out of the "sharing" of your personal information for cross-context behavioral advertising. You can exercise this right by:

Clicking the "Do Not Sell or Share My Personal Information" link in our website footer.
Adjusting your preferences on the Google and Meta advertising platforms directly using the links provided in the "Behavioral Advertising" section above.
Enabling the "Global Privacy Control" (GPC) signal in your browser.

5. Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not deny you goods or services, charge you different prices, or provide you with a different level or quality of service.

How to Exercise Your Rights

To exercise your rights to know, access, correct, or delete, please submit a verifiable consumer request to us by contacting The Insurance Producer via the contact information on the homepage or emailing [email protected].

CHANGES

We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.